| Sr.No |
PARTICULARS |
SERVICE CHARGES |
SERVICE TAX
APPLICABLE
|
| |
|
|
|
YES/NO
|
| 1 |
|
MINIMUM BALANCE CHARGES |
|
|
|
1) |
Saving A/C |
Rs. 50/- |
YES |
|
2) |
Current A/C |
Rs.100/- |
YES |
|
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|
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| 2 |
|
CLEARING CHEQUES RETURN CHARGES |
|
|
|
A |
Outward Cleraing Cheque Return Charges |
|
|
|
1) |
Saving A/C |
Rs.1 to 10000/- Rs.100/- |
YES |
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|
above Rs.10000/- Rs.200/- |
YES |
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|
|
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|
2) |
Current A/C |
Rs.1 to 10000/- Rs.100/- |
YES |
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|
above Rs.10000/- Rs.200/- |
YES |
|
|
|
|
|
|
B |
Inward Clering Cheque Return Charges |
|
|
|
1) |
Saving A/C |
Rs.500/- + 18 % int. |
YES |
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|
|
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2) |
Current A/C |
Rs.500/- + 18 % int. |
YES |
|
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|
C |
ECS DR\CR Return Charges |
|
|
|
1) |
Saving A/C |
Rs.500/- |
YES |
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2) |
Current A/C |
Rs.500/- |
YES |
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| 3 |
|
ACCOUNT CLOSING CHARGES |
|
|
|
1) |
Saving A/C |
|
|
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|
i) If closed within 1 year from the date of opening A/c |
Rs.35/- |
YES |
|
|
ii) If closed after 1 year |
Rs.25/- |
YES |
|
|
iii) Charges for unused cheques at the time of Closing A/c |
Rs.1/- per cheque |
YES |
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2) |
Current A/C |
|
|
|
|
i) If closed within 1 year from the date of opening A/c |
Rs.100/- |
YES |
|
|
ii) If closed after 1 year |
Rs.50/- |
YES |
|
|
iii)Charges for unused cheques at the time of Closing A/c |
Rs.1/- per cheque |
YES |
|
|
|
|
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| 4 |
|
INCIDENTAL CHARGES |
|
|
|
1) |
For Current, ODCC, ODFDR,ODFA, ODOD A/c |
Rs.150/- per half year |
YES |
|
|
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|
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| 5 |
|
CHEQUE BOOK CHARGES |
|
|
|
1) |
Saving A/c |
NIL |
N.A. |
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|
|
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|
2) |
Current A/c |
Rs.1/- per cheques |
YES |
|
|
|
|
|
| 6 |
|
SAVING A/C DUPLICATE PASSBOOK CHARGES |
|
|
|
|
i) With present Balance |
Rs.25/- |
YES |
|
|
ii) With Previous Entries |
Statement Rs.10/- per page or |
YES |
|
|
|
Rs.35/- per book |
|
|
|
|
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| 7 |
|
DUPLICATE STATEMENT CHARGES |
|
|
|
1) |
Current Deposit A/c & Other Deposit A/c |
Rs.10/- per page |
YES |
|
|
|
|
|
| 8 |
|
DUPLICATE TERM DEPOSIT RECEIPT CHARGES |
Rs. 10/-. |
YES |
|
|
|
|
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| 9 |
|
RECURRING DEPOSIT PENALTY |
Rs. 1.50 for every Rs.100/- |
N.A. |
|
|
(Penalty for delayed payment) |
|
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|
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|
|
|
| 10 |
A) |
LOAN APPLICATION FORM FEES |
|
|
|
(i) |
Personal loan/Tangible Security/ |
Rs. 50/- |
N.A. |
|
(ii) |
Business Loan/Vehicle Loan |
Rs. 150/- |
N.A. |
|
(iii) |
Bank Guarantee & solvency certificate |
Rs. 50/- |
N.A. |
|
(iv) |
Housing Loan |
Rs. 150/- |
N.A. |
|
(v) |
Membership 'A' Class |
Rs. 5/- |
N.A. |
|
(vi) |
Nominal Membership 'B' Class |
Rs.5/- |
N.A. |
|
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|
|
|
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B) |
LOAN PROCESSING CHARGES |
Non-refundable |
|
|
(i) |
Personal Loan/Busines Loan |
Rs.5000/- to 25000/- Rs. 150/- |
YES |
|
|
|
Rs.25001/- to 50000/- Rs. 250/- |
YES' |
|
|
|
|
|
|
(ii) |
Business Loan |
Rs.50001/- to 100000/- Rs. 500/- |
YES |
|
|
|
Rs.100001/- to 500000/- Rs.1000/- |
YES |
|
|
|
Rs.500001/- to 2500000/- Rs.2500/- |
YES |
|
|
|
Above 25 lacs to 50 lacs Rs. 3500/- |
YES |
|
|
|
Above 50 lacs to 1 Crore Rs. 5000/- |
YES |
|
|
|
Above 1 Crore Rs. 7500/- |
YES |
|
|
|
|
|
|
(iii) |
Gold Loan |
Up to Rs. 25000/- Rs. 100/- |
YES |
|
|
|
More than Rs. 25000/- Rs. 150/- |
YES |
|
|
|
|
|
|
(iv) |
Vehicle Loan |
0.50% |
YES |
|
|
|
|
|
|
C) |
EXCHANGE OF PLEADGED SHARE CERTIFICATES/DEMATE |
Rs.200/- |
YES |
|
|
|
|
|
| |
D) |
DEFAULTERS NOTICE CHARGES |
|
|
|
I) |
LOANS/CASH CREDIT/OVERDRAFT |
|
|
|
1) |
1ST Notice |
Rs. 100/- |
YES |
|
2) |
2ND Notice |
Rs. 100/- |
YES |
|
3) |
3RD Notice ( Personal visit & Notice ) |
Rs. 100/- |
YES |
|
4) |
Advocate Notice |
Rs. 300/- |
YES |
| |
|
|
|
|
|
E) |
ISSUE OF N.O.C. to R.T.O. PER VEHICLE |
Rs. 25/- |
YES |
|
|
|
|
|
|
F) |
VEHICLE SEIZING CHARGES |
|
|
|
|
a) Light motor vehicle / Two wheeler /Three Wheeler |
Rs. 500/- |
N.A. |
|
|
b) Heavy vehicle |
Rs. 3500/- |
N.A. |
|
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| |
G) |
GOLD APPRAISAL CHARGES |
|
|
|
(i) |
upto 150 gms. |
25 paise per 1gm (gross) |
YES |
|
|
|
(minimum Rs.5/-) |
|
|
|
|
|
|
|
(ii) |
Above 150 gms. |
For 1st 150 gms (gross) @ 25 paise per gm. |
YES |
|
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|
Plus 15 paise per gm above 150 gms |
|
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|
Note : This is in addition to valuer charges |
|
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H) |
ENCASHMENT OF NSC/IVP/KVP/ ETC. CHARGES |
Rs. 25/- per certificate + Travelling |
YES |
|
|
|
|
|
|
I) |
REASSIGNMENT OF NSC/IVP/KVP CERTIFICATES |
Rs. 10/- per certificate for reassignment |
YES |
| |
|
|
|
|
|
J) |
ENCASHMENT OF PLEDGED SHARE CERTIFICATES |
Rs.15/- per certificate |
YES |
|
|
|
|
|
|
K) |
CHARGES IN CASH CREDIT ACCOUNT |
|
|
| |
|
i) Monthly non-submission of stock/book debts |
Rs.200/- + Monthly charges of 2% over |
YES |
|
|
statements |
and above interest rate applicable till |
|
|
|
|
submission of the statement. |
|
|
|
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|
|
|
|
ii) Non-renewal of cash credit facility/documentation |
2% over & above the interest |
N.A. |
|
|
not completed within 3 months from the date of |
rate applicable |
|
|
|
expiry of limit (Once a c/c A/c. is classified as |
(Note : Above 2 charges are |
|
|
|
inoperative/sticky a/c, no charges as above to be |
separate & independent of each |
|
|
|
debited & Branch should take recovery action |
other till submission) |
|
|
|
as per recovery circular) |
|
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iii) Visit fees to borrowers c/c limit against |
|
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|
Hypothecation of stock/book debts |
|
|
|
|
(verification of stock/book debts once in a |
|
|
|
|
quarter) |
|
|
|
|
a) Limit upto Rs.1 lacs |
Rs. 50/- per visit + Actual Conveyance. |
YES |
|
|
b) Above Rs. 1 lac upto Rs. 5 lacs |
Rs. 100/- per visit + Actual Conveyance. |
YES |
|
|
c) Above Rs. 5 lacs upto Rs.10 lacs |
Rs. 200/- per visit + Actual Conveyance. |
YES |
|
|
d) Above Rs. 10 lacs |
Rs. 500/- per visit + Actual Conveyance. |
YES |
|
|
|
|
|
|
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iv) Non-display of Banks name board in |
Rs. 200/- p.m. till displayed |
YES |
|
|
business/office/factory premises/on |
|
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|
|
machinery/on vehicle (When noticed |
|
|
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|
during visit to concerned parties |
|
|
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| 11 |
|
BANK GUARANTEE CHARGES |
|
|
|
(a) |
Fully Secured (100% Fixed deposit) |
2% of B. G. Amount p.a. |
YES |
|
(b) |
Partly Secured (at least 25% FDR) |
-"- |
YES |
| |
|
|
|
|
| 12 |
|
SOLVENCY CERTIFICATE CHARGES |
Rs. 100/- for |
|
|
|
|
Rs. 1 lac or part thereof subject to maximum |
YES |
|
|
|
Rs. 1000/-. |
|
|
|
|
|
|
| 13 |
|
CHARGES FOR ISSUE OF INLAND LETTER OF CREDIT |
|
|
|
(A) |
Commitment charges |
20 paise per Rs.100/- per Quarter or |
YES |
|
|
|
part thereof |
|
|
|
|
|
|
|
(B) |
Usance commission |
25 paise per Rs. 100/- per month |
YES |
|
|
|
or part thereof |
|
|
|
|
|
|
|
(C) |
Postage etc. |
Actual postal charges |
N.A. |
|
(a) |
Simple Amendment |
Rs.100/- |
|
|
|
|
|
|
|
(b) |
Enhancement commitment charges |
Usance commission as above on |
YES |
|
|
|
amount by which L/C is enhanced |
|
|
|
|
subject to minimum of Rs.100/- |
|
|
|
|
|
|
|
(c) |
Extension |
Commitment charges as above (No commitment |
YES |
|
|
|
charges if extension does not run into fresh |
|
|
|
|
period of 3 months) subject to minimum of Rs.100/- |
|
|
|
|
|
|
|
(d) |
Reinstatement commission for Revolving L/C |
Commitment charges at 20 paise per |
YES |
|
|
|
Rs.100 plus usance charges as above |
|
|
|
|
subject to minimum of Rs.100/- |
|
|
|
|
|
|
|
(e) |
Postage etc. |
Actual postal charges |
N.A. |
|
|
|
|
|
| 14 |
|
CHARGES FOR COLLECTION OF |
|
|
|
|
OUTSTATION CHEQUES THROUGH HDFC |
|
|
|
|
|
Up to Rs. 25,000/- Rs. 30/- |
YES |
|
|
|
Rs. 25001/- to 50000/- Rs. 55/- |
YES |
| |
|
|
above Rs. 50000/- per thousand Rs.1.25/- |
YES |
|
|
|
Maximum Rs.2500/- |
|
|
|
|
|
|
| 15 |
|
CHEQUES FOR ISSUE OF AT PAR CHEQUE OF HDFC BANK |
Up to Rs. 10,000/- Rs. 10/- |
YES |
|
|
|
above Rs. 10000/- per thousand Rs.1/- |
YES |
|
|
|
Maximum Rs. 1500/- |
|
|
|
|
|
|
| 16 |
|
NATIONAL CLEARING CHEQUES CHARGES |
Rs. 50 per Instrument |
YES |
|
|
|
|
|
| 17 |
|
CHARGES FOR COLLECTION OF OUTSTATION |
|
|
|
|
BILLS IBC/OBC/BD/UNDER L/C |
Rs. 100/- to 2000/- Rs. 20/- |
YES |
|
|
|
Rs. 2001/- to 5000/- Rs. 25/- |
YES |
|
|
|
Rs. 5001/- to 7000/- Rs. 30/- |
YES |
|
|
|
Rs. 7001/- to 15000/- Rs. 35/- |
YES |
|
|
|
Rs.15001/- to 30000/- Rs. 45/- |
YES |
|
|
|
Rs.30000/- to 50000/- Rs. 55/- |
YES |
|
|
|
above Rs.50000/- per1000/- Rs.2.50 |
YES |
|
|
|
Plus Actual Postage |
N.A. |
|
|
Note : Each bill should be treated as a separate bill & |
|
|
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|
should not be clubbed for the purpose of |
|
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calculation of charges. |
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| |
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| 18 |
|
PAY ORDERS CHARGES |
|
|
|
I) |
ISSUE OF PAY ORDERS |
|
|
|
i) |
UPTO Rs.500 |
Rs. 10/- |
YES |
|
ii) |
501 to 1000 |
Rs. 15 |
YES |
|
iii) |
1001 to 5000 |
Rs. 20/- |
YES |
|
iv) |
5001 to 10000 |
Rs. 25/- |
YES |
|
v) |
10001 to 50000 |
Rs. 1.25 per 1000/- |
YES |
|
|
|
Minimum Rs.25/- |
|
|
vi) |
50001 to 100000 |
Rs. 50/- |
YES |
|
vii) |
100001 to 500000 |
Rs. 100/- |
YES |
|
viii) |
above 500001 |
Rs. 150/- |
YES |
|
|
|
|
|
|
II) |
|
|
|
|
a) |
i) Revalidation of pay order within |
Rs.10/- |
YES |
|
|
one year from date of issue |
|
|
|
|
ii) Cancellation of pay order |
Rs. 10/- |
YES |
|
b) |
i) Issue of pay order favouring our bank |
--- |
|
|
|
ii) Issue of other banks Demand Draft & at Par cheques |
Up to 1000/- Rs. 5/- |
YES |
|
|
|
1001/- to 2500/- Rs. 10/- |
YES |
|
|
|
2501/- to 5000/- Rs. 15/- |
YES |
|
|
|
5001/- to 10000/- Rs. 20/- |
YES |
|
|
|
above Rs. 10000/- Rs. 2/- per thousand |
YES |
|
|
|
Maximum Rs.1500/- |
|
|
|
|
Postage Extra. |
N.A. |
|
|
|
|
|
| 19 |
|
SAFE DEPOSIT LOCKERS CHARGES |
|
|
| |
A) |
Safe Deposit Lockers Form Fees |
Form fee Rs. 15/- |
YES |
|
|
|
Stamp fee Rs. 100/- As per Act |
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
B) |
Locker Rent (p.a.) |
|
|
|
|
(1ST April to 31st March) |
|
|
|
|
(1) Size No.1 Small Size |
Rs.250/- |
YES |
|
|
(2) Size No.2 Medium Size |
Rs.500/- |
YES |
|
|
(3) Size No.3 Big Size |
Rs.750/- |
YES |
|
|
|
|
|
|
C) |
Delay in payment of Rent |
Rs.25/- per month |
YES |
|
|
|
|
|
|
D) |
Break open of Locker in case of loss |
Rs.500/- plus actual charges |
YES |
|
|
of key/Non payment of rent |
|
|
|
|
NOTE : |
|
|
|
|
The Branch should immediately write to the locker |
|
|
|
|
manufacturing Company for replacement of lock & |
|
|
|
|
key and the new key should be given to the allottee |
|
|
|
|
in a Company sealed pack. |
|
|
|
|
|
|
|
|
E) |
Surrender of locker |
Rs.200/- |
YES |
|
|
|
|
|
|
F) |
Safe custody charges |
|
|
|
|
Gold loan closed but pledged ornaments are not |
Rs. 100 per month plus postage |
YES |
|
|
claimed after 1 month from date of closoure after |
|
|
|
|
sending the reminder notice to the loanee regarding |
|
|
|
|
the charges. |
|
|
|
|
|
|
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| 20 |
|
MISC. CHARGES |
|
|
|
A) |
Issue of duplicate share certificate |
Rs. 10 per certificate |
YES |
|
B) |
Transfer of share certificate |
Rs. 10 per certificate |
YES |
|
C) |
Issue of any other certificate by Bank. |
Rs. 10/- per certificate |
YES |
|
D) |
I) Certificate for interest on term deposit/saving |
NIL |
N.A. |
|
|
account or balance certificate |
|
|
|
|
II) Duplicate certificate as above |
Rs. 10 per certificate |
YES |
|
E) |
Stop Payment Instructions |
Rs. 10 per cheque per instruction |
YES |
|
|
(All a/cs with cheque book facilities) |
Max. Rs.100/- |
|
|
F) |
Revokment of stop payment |
Rs. 10 per instruction |
YES |
|
G) |
No dues certificate |
Rs. 10/- per certificate |
YES |
|
|
(In case of Govt. aided loans such charges need |
|
|
|
|
not be collected) |
|
|
|
H) |
Sign verification |
|
|
|
|
a) In case of internal bank purpose |
NIL |
N.A. |
|
|
b) In case of outsiders |
Rs.10/- |
YES |
|
I) |
Charges to be collected for the Loss of Token |
Rs.100/- |
YES |
|
|
(All a/cs) |
|
|
|
|
Note : Some of the charges though not applicable |
|
|
|
|
are enlisted above in the service manual, but will be |
|
|
|
|
made applicable in the near future. |
|
|